Bob Tranchell

Home Equity Retirement Specialist, RICP
President's Club

NMLS # 286716

13 Steeple St. #2-107, Mashpee, MA 02649

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About Me

Bob Tranchell is a knowledgeable and community-focused reverse mortgage professional. Working exclusively in the HECM industry for the past 23 years, he established himself as an industry expert excelling at sharing the value of home equity retirement planning. Education has always been the hallmark of his career, where he has developed curriculum for CFPs, CPAs, and Realtors, and has taught hundreds of professionals the value of using HECMs in retirement planning.

Bob is deeply involved in supporting the senior community through education and service. He volunteers with WeCan’s Financial Empowerment program, where he provides one-on-one counseling in budgeting, debt management, and financial awareness, and also teaches a dedicated workshop on housing finance for seniors. In addition, he regularly teaches classes on mortgage options for older homeowners at local senior centers, including recent sessions at the Saltmarsh Senior Center on Nantucket. Bob also enjoys bringing joy to senior living communities by performing classic standards, Broadway favorites, and seasonal songs at assisted living facilities such as Allerton House in Hingham, Massachusetts.

As a retirement planning professional, Bob holds the RICP® (Retirement Income Certified Professional) designation from The American College of Financial Services. This advanced credential reflects his expertise in key areas of retirement strategy, including Social Security planning, healthcare and long-term care considerations, estate and legacy strategies, tax-efficient income planning, investment solutions, and guiding retirees in making informed decisions about their home equity and financial resources.

Outside of his professional work, Bob enjoys life on Cape Cod, where he is an avid foodie and loves exploring new local restaurants. He is a member of the Green Pond Yacht Club and spends much of his free time riding e-bikes along scenic routes such as the Cape Cod Rail Trail, the Cape Cod Canal Bike Paths, and the Shining Sea Bikeway.

With his blend of financial expertise, commitment to community education, and genuine care for the people he serves, Bob Tranchell is dedicated to helping retirees understand their options and build financial confidence in retirement.

Common Examples of What a HECM Can Help You Do

Purchase a new home to fit your lifestyle needs
Reduce monthly expenses by paying off existing mortgage
Enhance your cash flow
Create an emergency fund
Fund for home repairs or upgrades
Fund the expense for caregivers, live-in nurses, or other in-home care
Protect your retirement portfolio
Reduce monthly expenses by paying debt
Incorporate housing wealth into your retirement plan
Increase cash to help ensure monthly bills are paid
Reduce the burden of out-of-pocket healthcare costs
Have the cash for a large expense, such as a vacation or vehicle

What You Need to Know About Reverse Mortgages

How a HECM Can Enhance Retirement Income: A Comprehensive Guide

For many homeowners, the largest portion of their net worth is tied up in their home. As retirement approaches, accessing that equity safely and strategically can make a dramatic difference in lifestyle, peace of mind, and long-term financial security. One increasingly popular tool for accomplishing this is the Home Equity Conversion Mortgage (HECM)—the FHA-insured reverse […]

Integrating HECM Strategies and RMD Management for Tax-Efficient Retirement Planning

Executive Summary This white paper explores tax-efficient strategies for retirees—particularly those aged 73 and older—using a combination of Home Equity Conversion Mortgages (HECMs) and retirement account management. By strategically managing Required Minimum Distributions (RMDs), leveraging Roth conversions, and using HECM proceeds as a flexible, tax-free* source of funds, retirees can maintain income levels below taxable […]

Rethinking “MIP”

Why Mortgage Insurance Premium Is a Strategic Benefit in Retirement Planning What Advisors Often Miss Most planners see MIP as just another cost. In reality, it’s the insurance that transforms the Home Equity Conversion Mortgage (HECM) into a strategic planning tool. What MIP Provides Your Clients Guaranteed, Growing Line of Credit Non-Recourse Protection Estate “Put […]

Getting Your House in Order

Key Considerations in Estate, Housing, and Healthcare Planning for Retirement Join Attorney Bob Mascali, Mirick, and Bob Tranchell, RICP®, Home Equity Retirement Specialist with Mutual of Omaha, for an educational breakfast program designed for retirees and those nearing retirement. Learn how estate planning, housing decisions, and healthcare planning work together to support a more confident […]

Nantucket Seminar: Your Home, Your Future

Thursday, Sept 11th | 6:00 PM The Inky (The Inquirer & Mirror) 1 Old South Rd, Nantucket, MA 02554 Unlock the hidden power of your home. Whether you’re retired, nearing retirement, or advising clients as a local Realtor, financial planner, or estate attorney – this eye-opening event will show you how to turn your home equity […]

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